Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$64,067Cash toward the purchase price.
Closing costs + prepaids$23,781Not just lender fees.
Before credits & paid funds$87,848The complete starting cash picture.
Estimated remaining funds due at closing
$87,848No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$64,066.64
Your down payment$64,066.64
Closing costs + prepaids$23,781.25
Total buyer cash needed$87,847.90
Remaining funds due$87,847.90
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$8,690.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$2,172.50
Initial HOA (3 months)$2,100.00
Prepaid interest, first (24 days)$3,593.75
Fees + prepaids$23,781.25
Your down payment is the seller’s equity. You take over the $804,933 balance, so the rest of the $869,000 price is paid at closing. A second mortgage can cover part of it. $87,847.90 is due at closing. Uses and sources reconcile at $892,781.25 each. Not a Closing Disclosure.